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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 6/10

vs
industry
vs
history
Cash to Debt 1.72
FBIZ's Cash to Debt is ranked lower than
52% of the 1599 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 vs. FBIZ: 1.72 )
Ranked among companies with meaningful Cash to Debt only.
FBIZ' s Cash to Debt Range Over the Past 10 Years
Min: 0.12  Med: 0.85 Max: N/A
Current: 1.72
Equity to Asset 0.09
FBIZ's Equity to Asset is ranked lower than
60% of the 1608 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. FBIZ: 0.09 )
Ranked among companies with meaningful Equity to Asset only.
FBIZ' s Equity to Asset Range Over the Past 10 Years
Min: 0.05  Med: 0.06 Max: 0.09
Current: 0.09
0.05
0.09
Interest Coverage 1.22
FBIZ's Interest Coverage is ranked lower than
58% of the 1529 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.67 vs. FBIZ: 1.22 )
Ranked among companies with meaningful Interest Coverage only.
FBIZ' s Interest Coverage Range Over the Past 10 Years
Min: 0.06  Med: 0.38 Max: 1.83
Current: 1.22
0.06
1.83
F-Score: 4
M-Score: -2.54
WACC vs ROIC
11.17%
16.51%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 6/10

vs
industry
vs
history
Operating margin (%) 22.57
FBIZ's Operating margin (%) is ranked lower than
70% of the 1621 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.83 vs. FBIZ: 22.57 )
Ranked among companies with meaningful Operating margin (%) only.
FBIZ' s Operating margin (%) Range Over the Past 10 Years
Min: 5.1  Med: 25.95 Max: 41.81
Current: 22.57
5.1
41.81
Net-margin (%) 18.50
FBIZ's Net-margin (%) is ranked lower than
64% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.44 vs. FBIZ: 18.50 )
Ranked among companies with meaningful Net-margin (%) only.
FBIZ' s Net-margin (%) Range Over the Past 10 Years
Min: 2.43  Med: 17.86 Max: 27.19
Current: 18.5
2.43
27.19
ROE (%) 9.49
FBIZ's ROE (%) is ranked higher than
58% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.54 vs. FBIZ: 9.49 )
Ranked among companies with meaningful ROE (%) only.
FBIZ' s ROE (%) Range Over the Past 10 Years
Min: 1.72  Med: 9.53 Max: 14.09
Current: 9.49
1.72
14.09
ROA (%) 0.84
FBIZ's ROA (%) is ranked lower than
54% of the 1627 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. FBIZ: 0.84 )
Ranked among companies with meaningful ROA (%) only.
FBIZ' s ROA (%) Range Over the Past 10 Years
Min: 0.08  Med: 0.63 Max: 1.1
Current: 0.84
0.08
1.1
Revenue Growth (3Y)(%) -0.30
FBIZ's Revenue Growth (3Y)(%) is ranked lower than
67% of the 1340 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.30 vs. FBIZ: -0.30 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
FBIZ' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -5.7  Med: 10.55 Max: 119.3
Current: -0.3
-5.7
119.3
EBITDA Growth (3Y)(%) -3.00
FBIZ's EBITDA Growth (3Y)(%) is ranked lower than
75% of the 1229 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. FBIZ: -3.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
FBIZ' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -24  Med: -1.05 Max: 97.4
Current: -3
-24
97.4
EPS Growth (3Y)(%) 4.90
FBIZ's EPS Growth (3Y)(%) is ranked lower than
58% of the 1204 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. FBIZ: 4.90 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
FBIZ' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -35.1  Med: 2.7 Max: 111.1
Current: 4.9
-35.1
111.1
GuruFocus has detected 5 Warning Signs with First Business Financial Services Inc $FBIZ.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» FBIZ's 10-Y Financials

Financials (Next Earnings Date: Est. 2017-01-28)


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow
Oprt. Cash Flow & Net Income

» Details

Guru Trades

Q4 2015

FBIZ Guru Trades in Q4 2015

Jim Simons 149,800 sh (+0.55%)
Scott Black 17,460 sh (-36.36%)
» More
Q1 2016

FBIZ Guru Trades in Q1 2016

Scott Black 21,703 sh (+24.30%)
Jim Simons 135,300 sh (-9.68%)
» More
Q2 2016

FBIZ Guru Trades in Q2 2016

Jim Simons 130,300 sh (-3.70%)
Scott Black 20,058 sh (-7.58%)
» More
Q3 2016

FBIZ Guru Trades in Q3 2016

Scott Black 20,283 sh (+1.12%)
Jim Simons 128,600 sh (-1.30%)
» More
» Details

Insider Trades

Latest Guru Trades with FBIZ

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6022
Compare:NAS:FFNW, OTCPK:ISBA, NAS:NRIM, NAS:PFBI, NAS:MFSF, NAS:CSTR, NAS:CVLY, NAS:BWFG, NAS:INBK, NAS:SONA, NAS:LCNB, NAS:PWOD, NAS:SHBI, NAS:SFST, NAS:UNB, OTCPK:CSHX, OTCPK:ALRS, NAS:CVCY, NAS:ORRF, NAS:PBNC » details
First Business Financial Services Inc is engaged in commercial banking business. It operates as business banks engaged in delivering commercial banking products, including commercial loans and commercial real estate loans.

First Business Financial Services Inc was incorporated in 1986 under the laws of the State of Wisconsin. The Company is engaged in the commercial banking business through its two wholly-owned bank subsidiaries, First Business Bank "FBB", headquartered in Madison, Wisconsin, and First Business Bank-Milwaukee "FBB-Milwaukee". Its operations are conducted through the banks and certain subsidiaries of First Business Bank. It operates as business banks focusing on delivering a full line of commercial banking products, including commercial loans and commercial real estate loans, and services tailored to meet the specific needs of small- and medium-sized businesses, business owners, executives, professionals and high net worth individuals. The Company offers businesses such as; commercial lending, asset-based financing, equipment financing, treasury management services, and trust and investment services. FBBs product lines include commercial loans, commercial real estate loans, equipment loans and leases and treasury management services. It offers a variety of deposit accounts and personal loans to business owners, executives, professionals and net worth individuals. It also offers trust and investment services through First Business Trust & Investments, a division of FBB. The Company competes with banks, savings institutions, mortgage banking companies, credit unions, finance companies, equipment finance companies, mutual funds, insurance companies, brokerage firms and investment banking firms.

Ratios

vs
industry
vs
history
P/E(ttm) 14.16
FBIZ's P/E(ttm) is ranked higher than
50% of the 1490 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.41 vs. FBIZ: 14.16 )
Ranked among companies with meaningful P/E(ttm) only.
FBIZ' s P/E(ttm) Range Over the Past 10 Years
Min: 4.92  Med: 12.62 Max: 77.69
Current: 14.16
4.92
77.69
Forward P/E 13.48
FBIZ's Forward P/E is ranked higher than
64% of the 360 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.55 vs. FBIZ: 13.48 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 14.16
FBIZ's PE(NRI) is ranked higher than
51% of the 1487 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.49 vs. FBIZ: 14.16 )
Ranked among companies with meaningful PE(NRI) only.
FBIZ' s PE(NRI) Range Over the Past 10 Years
Min: 4.87  Med: 12.55 Max: 72.14
Current: 14.16
4.87
72.14
Price/Owner Earnings (ttm) 22.62
FBIZ's Price/Owner Earnings (ttm) is ranked lower than
76% of the 876 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.83 vs. FBIZ: 22.62 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
FBIZ' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 3.15  Med: 10.35 Max: 64.36
Current: 22.62
3.15
64.36
P/B 1.31
FBIZ's P/B is ranked lower than
60% of the 1602 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.16 vs. FBIZ: 1.31 )
Ranked among companies with meaningful P/B only.
FBIZ' s P/B Range Over the Past 10 Years
Min: 0.4  Med: 1.01 Max: 1.7
Current: 1.31
0.4
1.7
P/S 2.59
FBIZ's P/S is ranked higher than
64% of the 1580 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. FBIZ: 2.59 )
Ranked among companies with meaningful P/S only.
FBIZ' s P/S Range Over the Past 10 Years
Min: 0.59  Med: 1.72 Max: 3.61
Current: 2.59
0.59
3.61
PFCF 7.79
FBIZ's PFCF is ranked higher than
66% of the 797 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.75 vs. FBIZ: 7.79 )
Ranked among companies with meaningful PFCF only.
FBIZ' s PFCF Range Over the Past 10 Years
Min: 2.32  Med: 7.62 Max: 306.05
Current: 7.79
2.32
306.05
POCF 7.57
FBIZ's POCF is ranked higher than
63% of the 891 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.98 vs. FBIZ: 7.57 )
Ranked among companies with meaningful POCF only.
FBIZ' s POCF Range Over the Past 10 Years
Min: 2.26  Med: 6.76 Max: 101.13
Current: 7.57
2.26
101.13
EV-to-EBIT 10.03
FBIZ's EV-to-EBIT is ranked higher than
60% of the 1210 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.67 vs. FBIZ: 10.03 )
Ranked among companies with meaningful EV-to-EBIT only.
FBIZ' s EV-to-EBIT Range Over the Past 10 Years
Min: -12.3  Med: 5.9 Max: 24.1
Current: 10.03
-12.3
24.1
EV-to-EBITDA 9.47
FBIZ's EV-to-EBITDA is ranked higher than
59% of the 1217 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.34 vs. FBIZ: 9.47 )
Ranked among companies with meaningful EV-to-EBITDA only.
FBIZ' s EV-to-EBITDA Range Over the Past 10 Years
Min: -8.3  Med: 5.3 Max: 21.7
Current: 9.47
-8.3
21.7
PEG 0.85
FBIZ's PEG is ranked higher than
66% of the 754 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.35 vs. FBIZ: 0.85 )
Ranked among companies with meaningful PEG only.
FBIZ' s PEG Range Over the Past 10 Years
Min: 0.21  Med: 0.36 Max: 4.53
Current: 0.85
0.21
4.53
Shiller P/E 19.24
FBIZ's Shiller P/E is ranked higher than
57% of the 483 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 vs. FBIZ: 19.24 )
Ranked among companies with meaningful Shiller P/E only.
FBIZ' s Shiller P/E Range Over the Past 10 Years
Min: 14.99  Med: 19.85 Max: 23.43
Current: 19.24
14.99
23.43

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.97
FBIZ's Dividend Yield is ranked lower than
66% of the 2346 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.65 vs. FBIZ: 1.97 )
Ranked among companies with meaningful Dividend Yield only.
FBIZ' s Dividend Yield Range Over the Past 10 Years
Min: 0.49  Med: 1.69 Max: 3.29
Current: 1.97
0.49
3.29
Dividend Payout 0.27
FBIZ's Dividend Payout is ranked higher than
62% of the 1313 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. FBIZ: 0.27 )
Ranked among companies with meaningful Dividend Payout only.
FBIZ' s Dividend Payout Range Over the Past 10 Years
Min: 0.09  Med: 0.21 Max: 0.76
Current: 0.27
0.09
0.76
Dividend Growth (3y) 46.50
FBIZ's Dividend Growth (3y) is ranked higher than
91% of the 728 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.40 vs. FBIZ: 46.50 )
Ranked among companies with meaningful Dividend Growth (3y) only.
FBIZ' s Dividend Growth (3y) Range Over the Past 10 Years
Min: 0  Med: 1.25 Max: 67.1
Current: 46.5
0
67.1
Forward Dividend Yield 1.97
FBIZ's Forward Dividend Yield is ranked lower than
70% of the 2244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.84 vs. FBIZ: 1.97 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 7.89
FBIZ's Yield on cost (5-Year) is ranked higher than
85% of the 2639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.36 vs. FBIZ: 7.89 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
FBIZ' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.96  Med: 6.77 Max: 13.18
Current: 7.89
1.96
13.18
3-Year Average Share Buyback Ratio -3.60
FBIZ's 3-Year Average Share Buyback Ratio is ranked lower than
56% of the 1039 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.10 vs. FBIZ: -3.60 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
FBIZ' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -18.2  Med: -3.05 Max: 3.7
Current: -3.6
-18.2
3.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.42
FBIZ's Price/Tangible Book is ranked lower than
60% of the 1595 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.23 vs. FBIZ: 1.42 )
Ranked among companies with meaningful Price/Tangible Book only.
FBIZ' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.42  Med: 1.06 Max: 1.66
Current: 1.42
0.42
1.66
Price/Projected FCF 0.74
FBIZ's Price/Projected FCF is ranked higher than
54% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.78 vs. FBIZ: 0.74 )
Ranked among companies with meaningful Price/Projected FCF only.
FBIZ' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.16  Med: 0.46 Max: 0.92
Current: 0.74
0.16
0.92
Price/Median PS Value 1.48
FBIZ's Price/Median PS Value is ranked lower than
79% of the 1458 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.14 vs. FBIZ: 1.48 )
Ranked among companies with meaningful Price/Median PS Value only.
FBIZ' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.35  Med: 0.99 Max: 2.12
Current: 1.48
0.35
2.12
Price/Graham Number 0.94
FBIZ's Price/Graham Number is ranked lower than
51% of the 1405 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. FBIZ: 0.94 )
Ranked among companies with meaningful Price/Graham Number only.
FBIZ' s Price/Graham Number Range Over the Past 10 Years
Min: 0.39  Med: 0.81 Max: 1.18
Current: 0.94
0.39
1.18
Earnings Yield (Greenblatt) (%) 9.92
FBIZ's Earnings Yield (Greenblatt) (%) is ranked higher than
69% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. FBIZ: 9.92 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
FBIZ' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 4.2  Med: 15.6 Max: 263000
Current: 9.92
4.2
263000
Forward Rate of Return (Yacktman) (%) 6.73
FBIZ's Forward Rate of Return (Yacktman) (%) is ranked lower than
64% of the 867 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.21 vs. FBIZ: 6.73 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
FBIZ' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: -3.8  Med: 31.75 Max: 80.4
Current: 6.73
-3.8
80.4

More Statistics

Revenue (TTM) (Mil) $80.48
EPS (TTM) $ 1.71
Beta0.91
Short Percentage of Float1.04%
52-Week Range $18.76 - 25.94
Shares Outstanding (Mil)8.71

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $)
EPS ($) 1.60 1.81 2.20
EPS w/o NRI ($) 1.60 1.81 2.20
EPS Growth Rate
(3Y to 5Y Estimate)
8.00%
Dividends Per Share ($) 0.48 0.52
» More Articles for FBIZ

Headlines

Articles On GuruFocus.com
First Business Financial Services Inc. (FBIZ) CEO David J Vetta buys 1,000 Shares Mar 18 2011 
First Business Financial Services Inc. Reports Operating Results (10-Q) Nov 02 2009 
First Business Financial Services Inc. Reports Operating Results (10-Q) Jul 30 2009 
First Business Financial Services Inc. Reports Operating Results (10-Q) May 01 2009 

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